Credit Risk Analyst

Bachelor’s degree in finance, Economics, Statistics, Mathematics, or related field

4 – 5+ years’ experience in credit risk, data analytics, or fintech risk roles

Experience in financial services or fintech is an advantage

Key Performance Indicators (KPIs)

Accuracy and timeliness of reports

Portfolio quality improvement (PAR/NPL reduction)

Effectiveness of risk insights in decision-making

Efficiency gains through automation

Track and analyze portfolio performance metrics (PAR, NPL, roll rates, recoveries)

Monitor delinquency trends (PAR 0, 30, 60, 90, 360)

Identify early warning signals (EWS) and emerging risk patterns

Data Analysis & Reporting

Extract, clean, and analyse large datasets from internal and external systems

Develop risk dashboards and automated reports

Provide daily, weekly, and monthly portfolio insights

Credit Decision Support

Support underwriting with:

Cash flow and behavioral analysis

Customer risk profiling

Provide data-backed recommendations on loan approvals, limits, and pricing

Risk Modeling & Analytics

Support development of:

Credit scoring models

Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)

Conduct stress testing and scenario analysis